How to get Access bank credit card in Nigeria

How to get Access Bank Credit Card in Nigeria

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So maybe you want to get an Access bank loan in Nigeria but you heard the bank issue a credit card to customers. This sounds interesting but you don’t know how to get it. Don’t worry! This post explains vital information you need on Access bank Naira credit card.

You can get the Access bank credit card by using the USSD code or mobile app. However, you must be eligible to apply which comes at a cost. After it is activated, you can use the card within the verified limit and repay at least 10% the following month.

Therefore, find out how to get and use this naira credit card.


How does Access Bank Credit Card Work

Access bank Nigeria offers a naira credit card to its customers to have access to a credit facility or loan by spending more than their account balance. The Access credit card works just like the usual credit card in developed which allows you to pay for things while you repay the bank later. In short, see this card as a way of borrowing money from Access bank without needing to apply everytime you need a quick loan.

Interestingly, Access bank can link your credit card to your existing debit card through a process called Dual Transaction Service. This means you do not need to have 2 separate cards but one card functioning as a credit and debit card.


Access Bank Credit Card Eligibility

So who is eligible for Access bank credit card? The Access credit card is eligible for salary earners having their salary account with the bank. That is, if you are employed and want to enjoy using the Access credit card, move your salary account to Access bank.

Furthermore, to qualify for Access credit card as a salary earner, you must be receiving at least 20,000 Naira (₦) salary per month.


How to Apply for Access Bank Credit Card

To apply for Access bank credit card, dial *901*14# from your registered phone number with Access Bank. It is that simple. And the service will be activated if you meet the requirement.

Also follow these steps to apply for Access bank credit card online through the mobile app:

  • Open Access Bank Mobile App.
  • Go to the app menu and select Cheques and Cards.
  • Select Credit Card.
  • Then, select Request Card.
  • Lastly, complete the application by paying the joining fee.

In addition, applying for Access bank naira credit card cost ₦1000. And this money is deducted from your bank account.


How to Activate Access Bank Credit Card

You can activate the Access credit card using the dedicated USSD code or by calling the customer care number.

Follow these steps to activate the Access bank credit card using the USSD code:

  • Dial *901*14#.
  • Select Activate.
  • Next, accept the credit card terms and conditions.
  • Then, start using your credit card.

You could also activate the Access credit card by contacting customer care. Dial 01-2712005-7 and a representative will guide you through the activation process.


How to apply and eligible for Access bank Naira credit card

How to use Access Credit Card

The Access bank credit card is a bit different from the way you use a debit card in different places like ATM and POS.

When you want to use the Access credit card on ATM, choose credit option as the account type. You can then perform transactions like withdrawing money. Remember how you choose debit when using your debit card at ATM centres, this time you credit when you want to use the credit card service.

Likewise, when you want to use this Access bank credit card on POS, select the credit option. This way can spend more than your balance or withdraw from it.


Access Bank Credit Card Interest Rate & Fees

Using the Access bank credit card comes with different fees and interest rates. Hence, it is important to know these charges.

The interest rates of Access bank naira credit card are as follows:

  • POS: 3%
  • Website: 3%
  • ATM withdrawals: 3.5%

Also, here are Access bank credit card fees:

  • Joining fee: ₦1000
  • Card Re-issue: ₦1000
  • Maintenance fee: ₦50 quarterly
  • Annual Insurance Fee: 0.05% card limit
  • Currency Conversion Rate for Purchases: 3.5%

How to Repay Access Bank Credit Card Loan

To repay your Access bank credit card loan, you send the money to the dedicated account number. After activation of your credit card, you get a specific account number useful for receiving your monthly due payment. This account is only for receiving credit card loan repayment and cannot run as a normal bank account.

In addition, you are to repay 10% minimum on or before the 15th of every month for the previous month. And you transfer this money Access bank credit card account number. For instance, if you spend 20,000 Naira in January, you are to repay at least 2,000 Naira on or before the 15th of February.


Access Credit Card Limit

With the access bank credit card, you get up to 3 times your monthly salary. For instance, if your monthly salary is 100,000 Naira, you can spend up to 300,000 using the credit card.

Furthermore, you can use your credit card on ATM a maximum of 5 times a day while it is 10 times a day on POS.


How to Check Access Bank Credit Balance

To check your Access bank credit card balance, dial *901*14# and follow the instructions. You would be able to see how much you spent and repay at least 10% of the amount before due date.


How to Deactivate Access Bank Credit Card

If you decide to cancel your credit card, call Access customer care at 01-2712005-7 to deactivate it. The representative assist you in successfully deactivating your credit card account.

Note that to successfully deactivate your Access credit card, you must clear your outstanding debt. You repay the loan or money spent by sending it to the dedicated account number.

Also, for any enquiry or complaint on the credit card, call Access customer care at 01-2712005-7.


Conclusion

Getting the Access bank credit card is useful in Nigeria such as when you need quick cash before payday without having to apply for a loan. It gives you access to 3 times your salary and you don’t have to pay everything the following month.

I hope you find this information helpful.

Therefore, try it and let me know your experience by leaving a message in the comment section below.

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